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Why Are Some Creditors Paid in Bankruptcy While Some Are Not?
Just as some debts are treated differently in bankruptcy – some debts can be discharged (erased) in bankruptcy and some cannot – so too are creditors treated differently in bankruptcy, so why are some creditors in bankruptcy paid while some are not? Whether or not a...
Escrow Overage Payments Are Property of the Chapter 13 Bankruptcy Estate
The U.S. Bankruptcy Court for the Southern District of Georgia recently ruled in two cases that escrow overage payments arising from the debtor’s overpayment of post-confirmation mortgage payments are the property of the Chapter 13 bankruptcy estate. In both cases, In...
Simple Steps to Setting Up Your Budget
Having a budget is one of the tenets of healthy financial management. Without a budget, you can’t know what you can afford or how much you’ll be able to save so that you can meet your financial goals, so we're here to help you set up your budget. For some people...
Do I Stop Using My Credit Cards If I File for Bankruptcy?
When we meet with someone for a free consultation, we are often asked if it is necessary to stop using credit cards if one plans to file for bankruptcy. Bankruptcy is a complex area of law, but the short answer is: yes, you have to stop using your credit cards if you...
Documents You Must Gather Before Filing For Bankruptcy
The majority of people who are filing for bankruptcy don’t want to. Though, they realize that their debt is out of control and that filing for bankruptcy is the right choice to take control of their finances and get out of debt. Filing for bankruptcy is a serious...
How To Be the Ideal Bankruptcy Client
We have been practicing bankruptcy law for over 35 years and we're here to make sure you are the ideal bankruptcy client. We are committed to helping our clients get out of debt and move on with their lives. As attorneys, we have certain duties owed to our clients and...
Your Financial Life Must Be Disclosed in Your Bankruptcy
The protections and benefits of bankruptcy are vast. The tradeoff to receiving these benefits is that you must disclose your financial life in your bankruptcy petition. Financial Information You Must Disclose You must disclose your income, expenses, debts, assets, and...
Debts that Survive Bankruptcy Discharge
Many types of debts can be erased through bankruptcy, while some debts Survive Bankruptcy Discharge. Not all debts are treated equally in bankruptcy. Debts are classified as either dischargeable or nondischargeable. Dischargeable Debts Erased in Bankruptcy...
Maker of Legendary Guitar Brands Les Paul and SG Files for Bankruptcy
Gibson Brands Inc. has filed for Chapter 11 bankruptcy protection. Gibson guitars, including brands Les Paul and SG, have been played by music legends across the decades―from B.B. King and Elvis Presley to Eric Clapton and Carlos Santana. Chapter 11 bankruptcy allows...
3 Facts You Want To Know About Bankruptcy
There is a lot of misinformation that gets passed around regarding bankruptcy. Since there is still a stigma attached to filing bankruptcy, the myths, misinformation, and blatant falsehoods about bankruptcy do not often get questioned. If you are drowning in debt and...
3 Reasons to File for Bankruptcy
There are many reasons why people need to file for bankruptcy protection, we're going to give you 3 reasons to file bankruptcy. For many, filing is the best decision for their financial wellbeing. There is a commonly believed myth that filing for bankruptcy ruins a...
Your Bankruptcy Discharge Applies to You, Not Your Debts
The bankruptcy discharge is a court order that releases you from personal liability on your dischargeable debts. In fact, receiving a Bankruptcy Discharge Order from the bankruptcy court is the goal when you file for bankruptcy. Your discharge is what actually gets...
Feeling Harassed?
Bankruptcy should not be a confusing process, we can guide you to financial freedom. It’s time for a fresh start.